Pennsylvania law authorizes the formation of a title insurance rating organization. 40 P.S. & 910-41. In Pennsylvania, this rating organization is the Title Insurance Rating Bureau of Pennsylvania [TIRBOP]. A title insurance company may satisfy its filing obligation "by becoming a member of, or subscriber to, a licensed rating organization which makes such filings, and by authorizing the [insurance] commissioner to accept such filings on its behalf. 40 P.S. & 910-37(b). The Insurance Department has appointed TIRBOP as its statistical agent for title insurance. In that role, TIRBOP facilitates the collection of statistical data from all licensed title insurance companies.